Sterling Bancorp, Inc. (Southfield, MI) operates as the unitary thrift holding company for Sterling Bank and Trust, F.S.B. that provides community banking services to individuals and businesses. It offers checking, savings, and money market accounts, as well as IRAs and certificates of deposit; and one- to four-family residential, commercial, commercial real estate, construction, and consumer loans, as well as commercial lines of credit. The company also provides retail banking services. It operates through a network of 28 branches in San Francisco and Los Angeles, California; New York, New York; and Southfield, Michigan. The company was founded in 1984 and is headquartered in Southfield, Michigan.

Sterling Bancorp, Inc. (Southfield, MI)

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.

Elon Musk

Ken Howery

Luke Nosek

Max Levchin

Peter Thiel

PayPal Holdings, Inc.

Sterling Bancorp Inc is a unitary thrift holding company. Its primary business is the operation of its wholly-owned subsidiary, Sterling Bank, through which it offers a range of loan products to the residential and commercial markets, as well as retail banking services. The products and services offered by the bank include saving and current accounts, demand and term deposits, payment cards, trade finance, fund transfer, treasury and cash management. It provides services such as construction loans, residential real estate, commercial real estate, commercial lines of credit and other consumer loans.

Sterling Bank provides personal and business banking services. Self-described as a provider of loans and online banking features.

Metric
Company Name	Sterling Bancorp, Inc. (Southfield, MI)	PayPal Holdings, Inc.
Symbol	SBT	PYPL
MSH ID	COM:STERLINGBANK	COM:PAYPAL
Market	STOCKS	STOCKS
Sector	Financial Services	Financial Services
Industry	Banks - Regional	Financial - Credit Services
Country	US	US
Stage
Employee Count	248	27.20K
Website	sterlingbank.com	paypal.com
LinkedIn		paypal
Founders

Metric
Market Cap	275.22M	61.61B
Enterprise Value
Monthly Web Traffic	25.49K
Web Traffic Growth	8.33
Valuation
Raised Capital

Metric
Revenue	129.51M	29.77B
Revenue (LTM)
Revenue (NTM)
Gross Profit	129.51M	13.70B
EBITDA	1.33M	6.54B
Operating Income	108.05M	5.03B
Net Income	7.41M	4.25B
EPS	0.15	3.85
Diluted EPS	0.15	3.84
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1	0.46
Operating Profit Margin	0.54	0.18
EBITDA Margin	0.01	0.22
Net Profit Margin	0.09	0.14
Return on Equity	0.02	0.22
Return on Assets	0.00	26.95
Return on Capital Employed	0.03	25.30

COM:STERLINGBANK

Sterling Bank

Last Close

4.79

22/11 21:00

Market Cap

249.01M

Beta: -

Volume Today

59.53K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	-15.92	17.92
P/B Ratio	0.81	3.42
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	3.08	2.68
EV Multiple	1.49K	11.51

Metric
Days Sales Outstanding	45.39	509.94
Days Payables Outstanding		917.46
Days Inventory Outstanding		0.07
Operating Cycle		564.04
Cash Conversion Cycle		442.42
Asset Turnover	0.05	189.01

Metric
Operating Cash Flow	-25.16M	4.84B
Free Cash Flow	-25.64M	4.22B
Cash Flow to Debt		0.75
Operating Cash Flow/Sales	-0.21	0.24
Free Cash Flow Yield	-0.02	0.04

Metric
Cash & Equivalents	583.19M	9.08B
Accounts Receivable	-680K	-114M
Inventory	569.46M	3M
Goodwill		11.03B
Debt to Capitalization	0.16	0.37
Debt to Assets	0.03	0.14
Current Ratio	72.99	1.30
Quick Ratio	40.27	1.37

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01	0.05
R&D to Revenue		0.10
SG&A to Revenue	0.52	0.07